Info about Union Plus Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards%APR222Reviews29Q&AContact
RewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit
Annual Fee
$0
Rewards
Earn 1.5% cash back on all purchases with no limit to the amount you can earn.
Get rebates and discounts on AT&T, Teleflora and car rentals.
APR on Purchases
0% intro APR for 12 months, 17.15% - 26.99% (V) APR after that
Balance Transfer
0% intro APR for 12 months, 17.15% - 26.99% (V) APR after that
Solid rewards. The Capital One Union Plus Credit Card offers a competitive 1.5% Cash Back on all purchases. That’s in the ballpark of what the best cash back credit cards will give you, but most of those offers either have an initial bonus or a slightly higher ongoing earning rate.
After 3 months as a cardholder, you may be eligible for hardship grants like Job Loss and Furlough Grants, Strike Grants, Disability Grants and Hospital Grants.
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Mastercard Identity Theft Resolution Services
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Balance Transfer Fee: 3% of the amount of each transferred balance that posts to your account during the first 12 months or at a promotional APR that you may receive at any other time. None for Transfers at the Purchase APR after the first 12 months that your account has been open.
Can't find what you are looking for? Submit your question about Union Plus Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
Paying online or with the app is the easiest way to do it. Simply log in using your credentials and find the payments section. You will have to provide your bank account and routing numbers to fund the payment. Online payments will post to your account within 1-2 days.
To make a payment over the phone, have your credit card number nearby because they will ask you for it.
Alternatively, you can pay your bill by mail; to mail in a payment, send a check or money order to the mailing address listed on your monthly credit card statement. Note that the issuer does not accept cash through the mail, and mailing a payment could take a week or longer to process.
The Union Plus Credit Card customer service number is (800) 622-2580. This line is available 24/7. When you call, follow the automated prompts to get connected to a representative. For faster service, press 0 repeatedly until you hear the “customer service” option.
The best way to check your balance is to enroll in online banking at: https://www.capitalonecardservice.com/ecare/home_nli . You can also call Capital One's customer service at: 800-622-2580 . Hope this helps.
You may be able to go over your Union Plus Credit Card credit limit, but it is up to the issuer whether any charges that exceed your limit are approved. There is no way to opt in to go over your Union Plus Credit Card credit limit.
You can use your Union Plus Credit Card anywhere Mastercard is accepted. Mastercard is the biggest card network worldwide, having the widest reach. It is accepted at 10.7 million locations in the US alone.
But there are certain merchants who have special offers for Union Plus members. To check...
The Union Plus Credit Card doesn't have a signup bonus. However, if your account is in good standing after 3 months of opening it, you might become eligible for so-called “hardship grants” (like layoff, hospital, or disaster relief grants). You can learn more about the requirements for these grants by...
No, the Union Plus Credit Card isn't contactless by default. But as an existing cardholder, you might be eligible for a contactless version of the card.
To talk to a representative about the eligibility requirements, call the number on the back of your card.
Share your insights and review the Union Plus Credit Card
5
12%
4
64%
3
14%
2
5%
1
4%
3.7
222 reviews
222 reviews
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sheila_a_nash @sheila_a_nash
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1 Star Rating
If I could give zero stars, I would, and it would be deserved. Customer Service is the absolute worst...ever!!! Interest charges on top of interest charges, we ended up paying off our balance 3 times within one month!! Talked with supervisor Kim, no customer service skills...at all!!
Due to no rewards, horrible customer service, DONT waste your time with this card.
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dmarie_hollingsworth @dmarie_hollingsworth
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1 Star Rating
Verified Customer
This is by far not a good card if you miss a payment by even a week they will start declining any purchases and wont let you use any money on there. If i could have gave it no stars i would have its not worth it there are better cards out there
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Bobby Jones @bobbyj_35
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1 Star Rating
Verified Customer
This might actually be a decent card for someone rebuilding their credit, but for the rest of us, the Union Plus Mastercard is useless. My FICOS are all over 800, and I've had a great banking relationship with Capital One for years. I applied for it because the perks look really nice. However, I was given a $750 starting limit, and more than 3 years later, Capital One refuses increase it by a penny because the card does not allow credit line increases by request. Therefore, I have permanently sock drawered it. If I were to try to use it for anything more than a few dollars, my credit scores would take a hit for high utilization. If I get to the point that I feel a need to take out a loan for bubble gum, I might use it, but I don't see it happening. Maybe if it stays in the sock drawer long enough, they will close it. My advice is not to waste your time with this one.
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4
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nickpalos @nickpalos
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1 Star Rating
Garbage card. They won't give credit increases. I have good credit and cards that have 15x the limit this card has. It's a joke, gimmick card. Complete trash. Don't waste your time. Capital One can suck a box of
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cgsfv @cgsfv
what is lowest score they go ..Mine is 661
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Bobby Jones @bobbyj_35
It seems to be a subprime card, but it's probably best avoided. Your starting limit is your permanent limit, and the interest rates are outrageous regardless of your credit. You'd be better off with just a regular Capital One card. Its terms will improve as your credit improves while the Union Plus card will remain stagnant. It's certainly not worth a hard pull that will lower your scores and remain on your credit reports for two years.
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GraceAnn DiLella @eggit1949
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1 Star Rating
Don't get this card. If you experience any kind of problem paying they don't have any way to help. Customer service personnel is great but capital 1 policy is bad. I would give them a minus 10 if I could and their customer service employees a 10+
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Nicholas Birns @nicholasb_12
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2 Star Rating
Low credit limit, no rewards, no chip in card after all my other cards have provided me with one,
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3
0
Victoria Kirwan @victoriak5
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4 Star Rating
The Union Plus Credit Card offers 0% APR the first 12 months which is more than most other cards that usually offer it for 6 months. I like that there is no reward limit and with the 1.5% cash back earning it makes this card a great choice for me. I wish the cash advance fee would be a little lower. Most other cards have a 2 or 3% fee but the Union Plus Credit Card has 4%. Overall I am very happy with this card.
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Lisa Pendleton @lisap_23
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1 Star Rating
wish I could give it a zero. was told I was approved with $5000 and card would be sent to me on 8/1 never received, called again on 9/1 and 9/21 complained with BBB. Heard they were just bought by capital one so maybe the people left in the office don't care anymore. Closed account - if I cant even get the card - what other kind of hassles are ahead?
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5
4
Ashley Schuch @ashleys_23
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3 Star Rating
I think it is great that there is no reward limit with this card. This card seems pretty similar to other rewards cards out there though. I do not like that it does not have a chip and that would prevent me from getting this card.
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Lisa Veirs @lisav_6
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3 Star Rating
I have mixed feelings about this card now that my introductory 0% APR period is over. The interest rate is a bit higher than most of my other cards, but I do like the 2% transaction fee on 12 month 0% APR balance transfer offers. However, I recently made 2 - 0% APR balance transfers about 6 months apart. I always pay more than the minimum due each month, but I just learned that company policy is to deduct the extra amount from the later balance transfer, instead of the earlier one. I'm just glad I called and asked how my payments were being applied before the earlier balance transfer's 0% APR period ended in 3 months. I would have been in for a pretty nasty shock, otherwise. Customer service is usually helpful, and after my only bad experience, they made up for it with a very generous account credit after I submitted feedback on how unhelpful the service I received had been.
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